Choosing the Right Insurance: Brokers vs. Captive Agents in Idaho
When it comes to protecting your home, car, or business in North Idaho, choosing the right insurance partner is just as important as choosing the right coverage. Many people don’t realize that there are two very different types of insurance professionals they may work with: insurance brokers and captive agents. Understanding the difference can help you make a smarter…
Understanding Vacancy Risks in North Idaho Property Insurance
As a North Idaho insurance agent, one of the most important conversations I’ve been having with clients lately involves the unoccupied home endorsement. With tighter economic conditions, many homeowners who rely on short-term rental properties—Airbnbs, vacation cabins, or seasonal homes—are finding that their houses are sitting empty a little longer than usual. While it may not seem like…
Idaho Auto Insurance Rates Forecast: What to Expect in the end of 2025
Idaho drivers have enjoyed a period of relief in 2025, with auto insurance premiums dipping about 6% during the first half of the year. Unfortunately, that trend appears short-lived. A new forecast from industry analysts suggests that drivers across the state, including those in North Idaho, should expect rates to rise again—by roughly 3% in…
